(BETTENDORF, Iowa) - The Family Museum's website has received the 2014 Best in Class award in the family category for excellence in the design, development and implementation of familymuseum.org, a nonprofit facility geared around enriching the lives of area children. This marks the first web award for this organization.

 

The honor, granted by the Interactive Media Awards (IMA), recognizes the website as surpassing the standards of excellence comprising the web's most professional work. Judging consisted of various criteria, including content, design, and feature functionality. In order to win this award, the site had to meet strict guidelines in each area.

 

The Family Museum was competing with 32 other websites and earned 480 out of a possible 500 points which puts it in the top award level. Jeff Reiter, Director, accepted the award with gratitude and excitement, "I wish to acknowledge the work of Elly Gerdts and Terrostar Interactive Media on this project, and I would like to thank the Family Museum Foundation who funded the new website. Elly, the Family Museum's Marketing Coordinator, did an amazing job of developing the content and coordinating with Terrostar the functionality and usability of the site."

###

About the Family Museum
The Family Museum, a department of the City of Bettendorf, is a hands-on interactive children's museum inspired by the Quad Cities. Centrally located in Bettendorf, Iowa, this museum offers young children a chance to discover how food moves from the modern farm to the local store through activities such as driving a combine, moving grain, and caring for animals in the farm exhibit. Visitors add obstacles or raise and lower water levels as they watch a boat make its journey down a 28-foot waterplay table resembling an actual stretch of the Mississippi River. Guests chat with their neighbors or wave to the mail carrier in the town square exhibit which includes features of everyday life such as park benches, a streetlight, post office, and a fire station. For more information visit www.familymuseum.org.

About the Interactive Media Awards
The Interactive Media Awards recognize the highest standards of excellence in website design and development and honor individuals and organizations for their outstanding achievement. Sponsored by the Interactive Media Council, Inc., a nonprofit organization of leading web designers, developers, programmers, advertisers and other web-related professionals, the competition seeks to elevate the standards of excellence on the internet. For more information, visit www.interactivemediaawards.com.

About Terrostar Interactive Media
Founded in 1999 by Tom Terronez, current owner and president, Terrostar is a Bettendorf, Iowa, based interactive media agency. Learning the business of each customer and working to develop a uniquely identifying presence is the main focus of this Quad Cities interactive agency. Specialties include web design, brand development, content marketing, social media strategy, search engine optimization, and digital media buying. More information can be found at terrostar.com.

Why Our Industrial Age Schools are Failing Our Information Age Kids
Educator, Researcher Describes 4 Ways to Reboot

In spite of the billions of dollars spent on educational reform since "A Nation at Risk" was published in 1987, more than half of America's high school seniors are not proficient in reading, and 75 percent can't do math, according to the recently released National Assessment of Educational Progress.

"Clearly, the current approaches to educational reform are failing," says notes educational researcher and consultant Charles M. Reigeluth, author of "Reinventing Schools: It's Time to Break the Mold" (www.reigeluth.net). "The problem is that major aspects of our educational system were devised to meet the societal needs of a bygone era."

"We need to change the paradigm - we need to move from Industrial Age 'factory model schools' to accommodate and reflect Information Age needs and realities."

The Industrial Age in the United States, roughly 1830 to 1960, was shaped by machinery and mass production. Many jobs moved from farms to factories, which required workers - and therefore students - who would follow instructions and endure repetitive, boring tasks, he says.

"We did not need to educate many people to high levels, so Industrial Age schools sorted students, promoting the few needed for managerial and professional work, and flunking out the many needed for the assembly lines," says Reigeluth, a former high school teacher and Indiana University professor.

"Today, knowledge work is more common than manual labor, and our systems are far more complex. All adults need a higher degree of knowledge just to function in society, so we can no longer afford a system that is designed to leave many children behind."

Here are four Industrial Age educational artifacts, according to Reigeluth, and how to update them for the Information Age:

•  Time-based student progress: Currently students in a class move on together to the next topic according to the calendar, regardless of whether they have learned the current material.  Slower students accumulate learning gaps that make it more difficult for them to master related material in the future, virtually condemning them to flunk out. The system is designed to leave many children behind.

A paradigm designed to leave no child behind would allow each student to move on as soon as he or she has learned the current material, and no sooner.  This requires "personalized learning'' and "learner-centered instruction" that is both high-tech and high-touch.

•  Standardized and other broad tests: Rather than evaluating a student based on how much he or she has learned in a certain amount of time, such as a 9-week period, each student should be evaluated to determine when the material has been learned, so we know when the student is ready to move on. This is called "criterion-referenced assessment," a different paradigm from "norm-referenced assessment."

"A big test with 20 different topics, as we use now, shows only how much a student knows compared to other students," Reigeluth says. "In the Information Age paradigm, all students are expected to finish learning whatever they undertake to learn. Like a Boy Scout working on a badge, each student continues to work until the material is mastered."

Assessments, then, are incremental and cover a single competency, or a small set of competencies. They certify mastery while also helping guide learning by showing students what they need to continue working on.

•  The traditional grading system : The traditional grading system indicates how well a student performed compared to the other students in a class - a tool that is only effective in sorting students. It's not an effective way of guiding and ensuring individual student learning, and it tells you little about what the student has learned.

"Rather than achievement reflected as grades on a report card, it would be reflected as lists of skills and concepts that the student has mastered," Reigeluth says.

•  Locking students into grades: Grade levels are incompatible with the Information Age model because students learn at different rates and become ready to move on to different material at different times. Grade levels are a key feature of the time-based, sorting-focused paradigm that served us well during the Industrial Age, but are detrimental to meeting Information Age educational needs.

Instead, group students into similar developmental levels, which typically span three to four years.

"Grouping developmentally, rather than based on age or rigid levels of content learning, accounts for the different rates at which children develop socially and emotionally," Reigeluth says. "Children can remain in their social-emotional peer group while working on projects typically tackled by students of a higher or lower age."

About Charles M. Reigeluth

Charles M. Reigeluth is a distinguished educational researcher who focuses on paradigm change in education. He has a B.A. in economics from Harvard University, and a Ph.D. in instructional psychology from Brigham Young University. He was a professor at the Instructional Systems Technology Department at Indiana University, and is a former chairman of the department. His new book, "Reinventing Schools," (www.reigeluth.net), advocates and chronicles a national paradigm change in K-12 education. He offers presentations and consulting on this topic.

Signs New Laws in Washington and Gifford to Help Communities Recover From Disasters

WASHINGTON - Governor Pat Quinn today announced $11.6 million in state relief to help Illinois local governments recover from the deadly November 2013 tornadoes. The assistance is part of $45 million multi-agency relief package assembled earlier this year at the Governor's direction following the denial of the state's appeal for federal disaster assistance for local governments. Governor Quinn also today signed three new laws in the tornado-damaged communities of Washington and Gifford that will help Illinois communities recover from disasters.

Today's action is part of Governor Quinn's agenda to ensure the safety of people in every community across Illinois.

"Illinois has faced a record number of natural disasters in recent years, but we are committed to helping each and every community get back on its feet," Governor Quinn said. "The disaster donation, insurance adjustment and small business recovery laws I'm signing today will help ease the disaster recovery process for communities now and in the future. I thank every first responder and volunteer who donated their time, material and funds to assist with recovery efforts statewide."

The $11.6 million state relief comes from the Illinois Department of Transportation (IDOT) and Illinois Emergency Management Agency (IEMA). The IDOT funds help communities repair storm-damaged infrastructure. IEMA assistance helps municipalities pay for costs already incurred for items such as debris removal, emergency protective measures and overtime payments. The communities applied for the funds, and to date all eligible requests for assistance have been approved. Some of the communities receiving tornado recovery funds include :

·         City of Washington, $7,685,593; Community High School, $6,769; Township Road District, $11,568; Park District, $20,877

·         Village of Gifford, $379,295

·         Brookport, $1,803,334; Massac County, $31,399

·         City of Pekin, $115,666

·         Diamond, $441,853

·         Coal City, $446,096

·         East Peoria, $268,393

·         Compromise Township, Champaign County, $185,130

Numerous other municipalities are receiving disaster recovery funding in addition to those listed.

"We want to thank Governor Quinn for this first set of payments from the State Tornado Relief," Washington Mayor Gary Manier said. "The approval of the entire City of Washington submission to IDOT is greatly appreciated and allows us to take yet another step toward recovery."

"I can't thank Governor Quinn and his agency directors enough for all they've done for us in Brookport to help us recover from the tornado," Brookport Mayor Pro Tem Tom Souders said.

When certain federal disaster recovery assistance for local governments was denied, Governor Quinn directed state agencies to assemble a $45 million relief package for Illinois communities devastated by the November 2013 tornadoes. Visit Ready.Illinois.gov for more information.

Governor Quinn today also signed three new laws related to disaster recovery:

House Bill 4590, sponsored by State Representative Chad Hays (R-Catlin) and State Senator William Brady (R-Bloomington), creates the Illinois Gives Initiative that allows current and retired state employees to donate a portion of their paycheck or annuity to Illinois chapters of the American Red Cross whose territories are affected by disasters. The law is effective immediately.

Senate Bill 2922, sponsored by State Senator William Haine (D-Alton) and State Representative Dan Beiser (D-Alton), sets a limit of 10 percent on the amount of compensation an insurance adjuster may receive when representing a consumer in a claim resulting from a disaster. The law is effective Jan. 1, 2015.

Senate Bill 3259, sponsored by State Senator Michael Frerichs (D-Champaign) and State Representative Chad Hays (R-Catlin), protects small businesses that rebuild after being affected by a disaster. The law slowly phases in property taxes over a 15-year period to prevent an immediate tax hike on the repaired or rebuilt business property. The new law is effective immediately.

###

June 29, 2014 - January 25, 2015

Since 1855 when the first railroad line was constructed in Muscatine, the City has laid claim to over 35 named railroads. Some helped the City prosper while others were merely proposed or were new names adopted by active railroads as they grew or came out of bankruptcy. The exhibition, "Railroads of Muscatine County", includes artifacts, photographs, and artwork to explore the histories of the local railroads. Among the railroads features in the exhibition are the Rock Island Lines, the Muscatine City Railway Company, and the Muscatine & Iowa City Railway, which did not survive its first year from incorporation.

"Railroads of Muscatine County" contains interesting facts such as the details that earned the Muscatine, Burlington & Southern Railroad Company the nickname, "The Maimed, Burned & Scalded Railway". The exhibition features engaging components for the young and the 'young at heart' including a toy train table, a step-on caboose, and working "O and S Gauge" model railroads.

The 1850s brought some of the first railroad milestones in the Midwest. The first land grant railroad in the United States was completed with the arrival of the Illinois Central in the area of East Dubuque, Illinois. The first railroad bridge to span the Mississippi River connected Rock Island, Illinois and Davenport, Iowa, and was completed in 1856. President Abraham Lincoln signed the Pacific Railway Act in 1862 to authorize construction of the first transcontinental railroad.

Leaders throughout Iowa recognized that the railroad would be an important tool in transporting goods, raw materials and passengers into and out of their communities. Towns competed with each other to attract railroad lines. Considerable capital and years of planning and constructing were required to launch a new railway line. Mississippi River towns like Muscatine relied on the river for the transportation of goods, but the railway system greatly expanded the town's ability to quickly reach new markets, especially those to the west.

The supply of fresh produce from the Muscatine Island was a key factor in launching the Muscatine North & South Railroad. There was a constant shortage of railcars to haul produce by the Rock Island System and as a result, produce rotted while waiting for shipment. The Muscatine North & South Railroad incorporated on February 15, 1893 with the first train running on January 20, 1899.

The Muscatine North & South Railroad, like other railroads in the area, faced receivership (corporate bankruptcy), multiple reorganizations, buyouts and breakups of the railway line. Rail lines were marginally profitable, and as better roads and more affordable automobiles were introduced, many rail lines were scrapped. Even the longest-lived lines in Muscatine, such as the Rock Island Lines, underwent consolidations, bankruptcy and buyouts. The Muscatine & Iowa City Railway was the shortest-lived interurban in the State of Iowa, running for only six months in 1916, while other lines were started and abandoned unfinished.

Since 1855 when the first railroad line was constructed in Muscatine, the City has laid claim to over 35 named railroads. Some helped the City prosper while others were merely proposed or were name changes employed by active railroads as they grew or came out of bankruptcy. In the early 1900s, Muscatine had four active railroads, two inter-urbans and a city trolley system.

"Railroads of Muscatine County" opened at the Annual Ice Cream Social on Sunday, June 29th with activities from 1 to 5 p.m. The exhibition will run through January 25, 2015.

 

EVENT DETAILS:

Activity: Opening of Exhibition, "Railroads of Muscatine"

When: Sunday, June 29

Time: 1:00 - 5:00 PM (During the Annual Ice Cream Social)

Where: Muscatine Art Center

Admission to this event is FREE.

 

Activity: "Muscatine Railroad History" Talk and Guided Tour will Bill Lindsay

When: Sunday, July 20th and Sunday, August 17

Time: 2:00 - 3:00 PM

Where: Muscatine Art Center

Admission to this event is FREE.

Description: Join local railroad enthusiast, Bill Lindsay, for a talk and guided-tour of the exhibition, "Railroads of Muscatine County". Bill will share his knowledge of the seven main lines which serviced Muscatine such as the Rock Island Line; Burlington, Cedar Rapids & Northern; Muscatine North & South; and the Muscatine City Railway. This program is FREE.

 

Activity: "Grass Between the Rails" by Denny Rehder

When: Thursday, September 4th

Time: 5:30 PM

Where: Muscatine Art Center

Admission to this event is FREE. This program is sponsored by Humanities Iowa.

Description: "Grass Between the Rails" celebrates Iowa's railroad heritage with a unique blend of stories and original folk songs about the development of railroads in Iowa. The subjects cover events of national importance such as the race across Iowa to connect with the transcontinental railroad to the West, and local history, including the poor service offered by the "Slow Norwegian." Other topics include the somber "Worst Wreck Ever," a farm boy's remembrance of "The One Elephant Circus," and the rollicking "Doodlebug."

 

Denny Rehder, is a local historian. His avocation for nearly fifty years has been music. Now that musical ability is combined with another avocation - Iowa railroad history - to offer a program on this overlooked part of Iowa's past. Rehder has been involved as author, editor, publisher, photographer or researcher in the publication of seven books on subjects from Iowa history. He is a native of Gladbrook who grew up watching the trains of the Chicago Great Western mainline.

The Muscatine Art Center is open to the public Tuesday, Wednesday and Friday from 10 AM to 5 PM, Thursday from 10 AM to 7 PM and Saturday and Sunday from 1 to 5 PM Admission is FREE.

QUAD-CITIES?Xstream Cleanup, presented by Group O and Riverboat Development Authority, is seeking hundreds of volunteers to clean up about 40 sites in the Quad-Cities area on Saturday, August 9 from 8:30 to 11:30 a.m. Registration is open online at www.xstreamcleanup.org.

Cleanup sites are located in Bettendorf, Buffalo, Davenport, LeClaire and McCausland, Iowa; and Milan, Moline, Rock Island and Silvis, Illinois.

Volunteers can choose to participate in light-duty or heavy-duty cleanup, storm-drain marking, or invasive plant removal. Removal of invasive plants is a bigger part of the cleanup this year because these harmful species negatively affect water quality in the Quad-Cities and beyond.

No previous cleanup experience is necessary, and supplies will be provided. A parent or guardian must accompany volunteers under the age of 18.

All volunteers registered by July 23 are guaranteed to receive a free T-shirt.

Xstream Cleanup is made possible by generous support provided by the following: Riverboat Development Authority, Group O, Alcoa, Triumph Community Bank, Iowa American Water, Rock Island County Waste Management Agency, Eastern Iowa Grain Inspection and Weighing Service, Community Foundation of the Great River Bend, Wallace's Garden Center, Sears Seating, MidAmerican Energy, McCarthy Bush Corporation, DHL Global Forwarding, Alter Metal Recycling, Unitarian Universalist Congregation of the Quad Cities, Mel Foster Co., Midas Auto Systems Experts, Eagle View Group? Sierra Club, Radish Magazine, and Quad City Conservation Alliance.

For more information or to register, visit www.xstreamcleanup.org.

# # #
Last week, Bruce Braley took his Protecting Social Security and Medicare Tour to eight cities across Iowa to speak with voters about the clear choice in the US Senate race on retirement security. On one hand, Bruce Braley is fighting for working families to protect and strengthen Social Security and Medicare. On the other hand, Sen. Joni Ernst supports privatizing Social Security, ending guaranteed benefits and putting Iowans retirement in the hands of the Wall Street billionaires supporting her campaign. Read all about it below:


Iowa Public Television
Reporters' Roundtable
July 3, 2014
Reporters Jennifer Jacobs, O. Kay Henderson, James Lynch, and Kathie Obradovich discuss the Senate race, highlighting the important role Social Security has come to play in the race.

Full video: http://www.iptv.org/iowapress/episode.cfm/4142/video


Sioux City Journal
Sioux City Stop: Braley Continues Social Security Defense
July 3, 2014
"It's a promise we made to people that if you work hard and invest your hard-earned money into these programs, they're going to be there for you when you need them," said Braley, a Democrat, during a meeting with local seniors at UFCW Local 222 in Sioux City. The topic has become a major campaign issue between Braley and Ernst, who are seeking the Senate seat being vacated by retiring Democrat Tom Harkin.

Full article: http://siouxcityjournal.com/news/local/sioux-city-stop-braley-continues-social-security-defense/article_15c30639-2c12-551a-ae68-9e35c82a181a.html


Omaha World-Herald
Bruce Braley Stops in Council Bluffs, Advocates Minimum Wage Increase
July 3, 3014
Braley also said he is against proposals to privatize Social Security, which he said would put benefits at risk during a recession.  Senior citizens, many of whom have lived through several economic downturns, "have seen why this safety net is so important," Braley said.

Braley's stop in the Bluffs was the last of nine round tables he held recently across the state to discuss the future of Social Security and Medicare.

Full article: http://www.omaha.com/news/iowa/bruce-braley-stops-in-council-bluffs-advocates-minimum-wage-increase/article_61587db1-a385-5d0c-924c-9fa96688265a.html


Telegraph Herald
Braley, Ernst Air Differences on Social Security
July 3, 2014
Bruce Braley, northeast Iowa's U.S. representative and the Democratic candidate for the state's open U.S. Senate seat, has campaigned on Social Security recently, discussing the program with residents in 11 cities. Braley advocates for preserving Social Security, making only minor adjustments.

Full article: http://www.thonline.com/news/tri-state/article_15feec46-6f3c-5f8c-aab4-1e16cc2dc4fe.html


Mason City Globe-Gazette
Braley Cites Differences with Ernst
July 2, 2014
Braley said privatizing Social Security would eliminate one of the three legs of the retirement stool -- Social Security, pension and savings. He said scrapping Social Security and setting up individual investment accounts relies too heavily on the stock market.

Full article: http://globegazette.com/news/local/braley-cites-differences-with-ernst-in-talk-with-seniors/article_e43e77c2-ea88-5fa7-8822-7e118b11709c.html


Ottumwa Courier
Braley: 'Stark Choice' in Senate Election
July 2, 2014
Braley said Iowa voters have "a stark choice," in the election. He cast himself as someone capable of defending Social Security and Medicare, while working with Republicans when the two parties have common goals.

"We want someone who can work across the aisles and solve the problems we have," he said. "I have a proven record of doing that."

Full article: http://www.ottumwacourier.com/local/x1927835986/Braley-stark-choice-in-Senate-election


Burlington Hawk Eye
Braley Holds Roundtable on Social Security and Medicare
July 2, 2014
The Waterloo Democrat held a roundtable discussion with local seniors to discuss the importance of the programs to their retirement security. He also talked about the importance of honoring the promise of Social Security and Medicare to current and future retirees.

"When people think about the economy, retirement security is on a lot of peoples minds," Braley told a group of about 15 people Tuesday. "All you have to do is look at the numbers in Des Moines County. Almost 10,000 people in Des Moines County get Social Security benefits of some kind."

Full article: http://www.thehawkeye.com/story/Braley-070214


Waterloo Cedar Falls Courier
Braley Holds Roundtable on Social Security
June 27, 2014
The Waterloo Democrat didn't give the usual talking points on those issues sensitive to aging Iowans. Instead, he sought greater understanding of the issues and, barring that, a renaming of those political buzzwords.

"One of the things people are always raising objections to is calling these programs entitlements because it creates this false perception that you're getting something you don't deserve, and maybe we should just adopt the language of the investment community," Braley said.

Full article: http://wcfcourier.com/news/local/govt-and-politics/braley-holds-roundtable-on-social-security/article_bbaf22ee-8dea-5527-89aa-3d2a45491250.html

# # #

Mount Carroll, IL-- The Magic Owl Children's Theatre at Timber Lake Playhouse (TLP) presents an hour-long version of Pinkalicious the Musical, based on the books by Victoria Kann and Elizabeth Kann July 8, 10, 11 and 12 at 2:00 pm. All tickets for Magic Owl shows are only $6.00 and partially sponsored by the Illinois Arts Council, a state agency. Each year, these subsidized Magic Owl shows introduce thousands of young people to the joy and magic of live theatre.

The musical tells the tale of Pinkalicious Pinkerton, who can't stop eating pink cupcakes despite warnings from her parents. Her pink indulgence lands her at the doctor's office with Pinkititis, an affliction that turns her pink from head to toe - a dream come true for this pink loving enthusiast. But when her hue goes too far, and her brother --and some dancing birds and flowers--get involved, only Pinkalicious can figure out a way to get out of this pink predicament. Pinkalicious the Musical is about learning the power of self-control and the importance of moderation.

The cast includes members of TLP's professional resident company from all over the country including Anastasia Arnold, a recent graduate of Millikin University, in the title role. James Kolditz directs with choreography by Bethany Fay.

Pinkalicious the Musical has additional performances August 5, 7, 8 and 9 at 11:00 a.m. TLP is located at 8215 Black Oak Rd. in rural Mount Carroll, IL. Tickets are $6.00 and are available at the box office, by calling 815-244-2035 or visiting www.timberlakeplayhouse.org. The show is appropriate for all ages. Early reservations are suggested, as many Magic Owl shows sell out.



###

SEE PEOPLE'S ABILITIES, NOT THEIR DISABILITIES

Journey of Hope believes in the abilities of all people.

 

DAVENPORT, Iowa - Journey of Hope will join the Davenport Parks & Rec and Davenport citizens for dinner and a Friendship Visit after 60 miles of cycling. Journey of Hope will cycle an average of 75 miles a day for people with disabilities. The team will enhance the lives of countless individuals with disabilities through grant funding and community events.

 

What:  Journey of Hope, organized by Push America, is a cycling trek that raises funds and awareness on behalf of people with disabilities. Every cyclist commits to raising at least $5,500 on behalf of people with disabilities. Combine their individual efforts with corporate sponsorships and the Journey of Hope 2014 team will raise more than $500,000 for people with disabilities.

When: Wednesday, July 9, 5:00 p.m.

Where: Davenport Parks & Recreation

700 W River Dr

Davenport, IA 52802

Who: Pi Kappa Phi Fraternity members from across the country.

If you always stop to read the fine print before signing anything, congratulations - your parents trained you well. If you don't, beware: Your signature could commit you to a long-term gym membership you don't really want, an apartment you can't afford or worst of all, paying off someone else's loan you cosigned.

Broadly defined, contracts are mutually binding agreements between two or more parties to do - or not do - something. It could be as simple as buying coffee (you pay $3 and the restaurant agrees to serve you a drinkable beverage), or as complex as signing a 30-year mortgage.

Once a contract is in force it generally cannot be altered unless all parties agree. And, with very few exceptions (e.g., if deception or fraud took place), contracts cannot easily be broken.

Before you enter a contractual agreement, try to anticipate everything that might possibly go wrong. For example:

  • After you've leased an apartment you decide you can't afford the rent or don't like the neighborhood.
  • Your roommate moves out, leaving you responsible for the rest of the lease.
  • You finance a car you can't afford, but when you try to sell, it's worth less than your outstanding loan balance.
  • You buy a car and only later notice that the sales agreement includes an extended warranty or other features you didn't verbally authorize.
  • You sign a payday loan without fully understanding the terms and end up owing many times the original loan amount.
  • You buy something on sale and don't notice the store's "No returns on sale items" policy.
  • You click "I agree" to a website's privacy policy and later realize you've given permission to share your personal information.
  • You buy a two-year cellphone plan, but after the grace period ends, discover that you have spotty reception and it will costs hundreds of dollars to buy your way out.

Cosigning a loan can be particularly risky. If the other person stops making payments, you're responsible for the full amount, including late fees or collection costs. Not only will your credit rating suffer, but the creditor can use the same collection methods against you as against the primary borrower, including suing you or garnishing your wages.

Still, there may be times you want to cosign a loan to help out a relative or friend. The Federal Trade Commission's handy guide, "Co-signing a Loan," shows precautions to take before entering such agreements (www.consumer.ftc.gov).

A few additional reminders:

  • Ensure that everything you were promised verbally appears in writing.
  • Make sure all blank spaces are filled in or crossed out before signing any documents -including the tip line on restaurant and hotel bills.
  • Don't be afraid to ask to take a contract home for more careful analysis or to get a second opinion. A lawyer or financial advisor can help.
  • Don't be pressured into signing anything. If salespeople try that tactic, walk away. (Be particularly wary at timeshare rental meetings.)
  • Keep copies of every document you sign. This will be especially important for contested rental deposits, damaged merchandise, insurance claims, extended warranties, etc.
  • Take along a "wingman" if you're making an important decision like renting an apartment or buying a car to help ask questions and protect your interests.
  • Be wary of "free trial" offers. Read all terms and conditions and pay particular attention to pre-checked boxes in online offers.

Bottom line: Contracts protect both parties. Just make sure you fully understand all details before signing on the dotted line.

Lee fires six shutout innings in game one as Quad Cities takes series from Wisconsin

DAVENPORT, Iowa. (July 6, 2014) - Brett Phillips launched a walk-off grand slam to cap a doubleheader sweep of the Wisconsin Timber Rattlers, as the Quad Cities River Bandits won 5-0 and then 6-4 to take two out of three in the series.

Wisconsin led 4-2 in the bottom of the seventh of game two with their starter Victor Diaz on the mound. Diaz yielded a leadoff single to Dayne Parker, got Thomas Lindauer to fly to center but then gave up a hit to James Ramsay, who finished 2-for-4, before being pulled for reliever Tyler Spurlin. Marc Wik singled to left to load the bases for Phillips, who smashed the first pitch he saw from Spurlin (3-1) over the right-center field wall to give the River Bandits (10-7 second half, 45-41 overall) the walk-off 6-4 victory.

Michael Feliz (5-2) earned the victory in relief of Quad Cities starter Jandel Gustave, who lasted only 3.1 frames. Gustave left with the bases loaded in a 3-1 game in the fourth, with two Timber Rattlers (9-8, 45-41) having already crossed the plate in the inning. But Feliz fanned Johnny Davis and got Omar Garcia to groundout to end the threat. The right-hander also struck out the side in the top of the seventh, setting up the scene for Phillips' walk-off dinger. Feliz allowed a run on two hits with a walk and six punchouts in 3.2 frames.

Chris Lee (4-5) rolled through the Wisconsin order in game one, scattering five hits with a walk and strikeout in his six frames for the win. Lee's walk of Jose Pena was his first in 14 2/3 innings, the best of any River Bandits pitcher this season. The Timber Rattlers had one runner reach third base all game against Lee.

Chase McDonald led off the second inning of a scoreless game one by reaching on an error by Timber Rattlers shortstop Steven Halcomb. Wisconsin starter Anthony Banda got Ronnie Mitchell to fly to center field but then Brett Booth singled to put runners on first and second with one out. After Brian Holberton struck out, Thomas Lindauer cracked a three-run home run onto the berm in left field to put the burst open a scoreless contest.

More shoddy defense helped Quad Cities add to their lead in the fourth. Banda, who fanned a season-high 10, struck out both Jose Fernandez and Phillips to start the frame before McDonald singled to left. With two outs, Mitchell lined a ball to shallow center. Wisconsin center fielder Johnny Davis tried to make a diving catch, but had the ball scoot by him and roll all the way to the wall, allowing McDonald to score from first and Mitchell to end up at third with his first triple of the season.

Banda (4-6) surrendered five runs, just two earned, on six hits with two walks in his five innings to take the loss.

Quad Cities will start a three-game series Tuesday with Edison Frias (5-3, 5.36 ERA) on the mound against the Kane County Cougars from Modern Woodmen Park.

Pages